Thatha inzuzo yale Hack Retirement Savings
Ngaba ulondoloze ngokwaneleyo umhlalaphantsi ?
Awuyedwa xa impendulo yakho kulo mbuzo ibonisa ukuba " Hayi, " okanye ukuba awuqinisekanga. Ukulondoloza umhlala-phantsi ngumngeni omkhulu kubantu abaninzi kule mihla kwaye sinamazinga okulungelelanisa umhlalaphantsi phantsi kwebhodi lethu kwilizwe lethu.
Ngamanye amaxesha sichitha ixesha elininzi kunye namandla ukuphepha imali yethu kunokuba kuyimfuneko. Esikhundleni sokujikeleza iivili zethu nokwenza izinto ezifanayo ukufumana iziphumo ezindala, mhlawumbi sifanele silungiselele ixesha lethu kunye nezibonelelo kwizenzo ezingakumbi ezinokuthi zibe ngabavelisi abahlukeneyo.
Ngomoya wokuzama ukufumana iindlela zokwenza ubomi bethu bezezimali kubonakale bunzima, masijonge kwiindawo ezilula zokuphila ezingakunceda ukwakhiwa kwakho komhlalaphantsi (kunye nomoya wakho wokuzithemba umhlalaphantsi):
Faka imali yokugcina imali yakho kwi-Autopilot kwaye uzihlawule kuqala
Yenza ukugcina umhlalaphantsi lula. Kuya kuba kuhle ukuba sonke senza izigqibo ezinengqiqo ngemali yethu. Kodwa kukho i-gap eyaziwayo enkulu kakhulu. Yingakho kubalulekile ukuzenzekelayo ukuziphatha okuzimeleyo xa kunokwenzeka. Ukuzihlawula kuqala kuthetha ukuba awunika ithuba lokuba imali yakho ibonakale kuyo yonke indawo engafanelekanga.
Ukuthatha inxaxheba kwisicwangciso somhlalaphantsi emsebenzini ( 401k , 403b , 457 , njl.) Yindawo ecacileyo ukuqala. Iminikelo iza ngqo kwi-pay yakho. Emva kokuba ufumanisa ukuba ingakanani inzuzo yakho ofuna ukuyifaka kulula ukuyibeka kwaye uyibale ukugcina kwakho. Ezinye iirhafu zokulondolozwa kweerhafu zangaphambili ezifana ne- akhawunti yokulondoloza impilo (HSA) zingasetyenziselwa ukuzenzekelayo inkqubo yokugcina umhlalaphantsi.
Unokuthatha indlela efanayo xa usindiswa kwi- akhawunti yomhlala phantsi (IRA) ngokubeka umrhumo ngokuzenzekelayo nge-paycheck okanye ngqo kwi-akhawunti yakho yasebhanki emva kokuba uhlawulwe.
Kukho ezinye iindlela zokwenza ukugcina kulula. Enye indlela kukusebenzisa inzuzo yecandelo le-escalator tool if ithawulwa ngumboneleli wakho wesicwangciso somhlalaphantsi.
Ezi zincinci ezizenzekelayo ziyakwandisa ukuba ungalondoloza buninzi njani kunokukunceda ngokukhawuleza ukuphakamisa isicwangciso sakho somhlala-phantsi ngexesha.
Ukulondoloza ukukhawuleza kwexesha elifutshane ngenye inxalenye yesiseko esisemgangathweni semali. Ngaphambi kokuba uphucule ukugcinwa kwakho komhlalaphantsi ngaphezu kwayo nayiphi na umdlalo owenziwe ngumqeshi, qiniseka ukuba unokonga olungxamisekileyo endaweni. Kwaye uqikelele ... kufuneka ugcine ukonga kwi-akhawunti yakho yokhuseleko ngokukhawuleza . Ukongezelela ekumiseni ukutshintshwa okuthe ngqo xa uhlawulwa, qwalasela ukusebenzisa ikhadi lokubambisa elithengisa ukuthenga kwakho kwaye ubeka loo mali kwi-akhawunti yokulondoloza eyahlukileyo ukusuka kwimihla ngemihla ukukhangela i-akhawunti yeendleko zokuhlala. Enye isicatshulwa ukuba ukhumbule xa wenza ukuthenga kwemali kukubeka utshintsho lwakho olongezelelweyo kwisibhakabhaka esikolweni esidala okanye kwisibindi. Ekupheleni konyaka, imali yokugcina imali ingena kwi-IRA yakho.
Ungazivumeli Ukuba Uphazamiseke Ngamatyala
Ukuhlawulwa kwetyala ngenye yemithintelo emikhulu kwindlela yokuthatha umhlalaphantsi. Ukuba sele sele unentloko echaphazeleka ngamatyala ngoku ixesha lokuguqula loo macala ngecebo lokunciphisa amatyala. Kodwa ukuba ungekho, khusela ukuvumela ukuba ityala lichithise izicwangciso zakho zomhlalaphantsi.
Ezinye iintlobo zetyala njengemali yokubolekwa kwemali kunye nemali-mboleko yomfundi ingaba bhetele kunezinye xa zifakwe kwisicwangciso sakho sobomi bemali.
Ngakolunye uhlangothi ityala lesikweletu lesikweletu, iimali-mboleko eziphakamileyo zemali, kunye nemali-mboleko yemoto kunokudala umjikelo onobungozi weentlawulo zemali ezenza umhlala-phantsi ungabonakali ngamanye amaxesha.
Nazi ezinye iingcebiso ezilula zokukunceda ukuphepha ukuphazamiseka kwetyala:
- Yiba neyona nto eyahlukileyo kunomdinga waseMelika kwaye udale isicwangciso sokuchitha imali
- Njalo hlawula iibhanti zakho zekhadi lesikweletu ngokupheleleyo ngenyanga
- Linda ii-24-48 iiyure ngaphambi kokwenza nayiphi na into enkulu yokuthenga
- Zama ukugcina iindleko zakho zokuphila ezingaphantsi kwe- 50% yengeniso yakho yekhaya yonke (jonga eli nqaku malunga nomgaqo- mali we- 50/30/20 wohlahlo lwabiwo-mali)
- Yenza ukuthengwa kweengqiqo ngenkokhelo endaweni yengxowa usebenzisa indlela yokuvula imvulophu
Gcina Imilinganiselo Efanelekileyo kwaye Ukhuphe Ababi
Yintoni ocinga ukuba abaninzi baseMerika bakwenza emva kokuhlawula imali mboleko? Ukuba uqikelele "uchithe" uchanekile kodwa akuyona indlela efanelekileyo xa ufuna ukufumana ukuzimela kwezimali.
Kulula ukulahlekelwa ingqwalasela kumfanekiso omkhulu wezicwangciso zobomi bethu bezemali xa imali eyongezelelweyo ingeniso kwisabelomali emva kokuhlawulwa kwemali mboleko okanye izilinganiso zekhadi lesikweletu. Esikhundleni sokuchitha imali eyongezelelweyo oye wayifumana isetyenziselwa ukungabi khona, yenza ngathi akusekhona kwaye uyigcine endaweni yoko. Yenza "iintlawulo" kwiakhawunti yakho yokuthatha umhlalaphantsi endaweni yokuvumela ukuba impilo iqhube ukulimaza amandla akho okugcina. Awuyi kuphinda ulahlekelwe yimali ngenxa yokuba sele uyenzile ukuyisebenzisa.
Xa uhlawula umboleko wemoto, cinga ukugcina isithuthi sakho kwiminyaka embalwa eyongezelelweyo ngaphambi kokufumana indawo. Unokuba ufuna ukubeka eceleni imali yakho yokugcina imali kwimoto ukukhusela ukuze ulunge xa kufike ixesha lokufumana olunye uhambo.
Funda Ukupheka
Isenzo esilula sokufunda ukupheka sinokukunceda ukuba ugcine amawaka eedola ngaphezulu xa ufuna umhlalaphantsi. Akudingeki ukuba ube ngumqhubi we-gourmet ukubeka kunye ukutya okunempilo okulula kunye nokunambitha okulungileyo. Inxalenye engcono kakhulu yokusebenza ngakumbi ekhishini kukuba unokunciphisa iindleko ezihlobene nokutya. Oku kunceda ukukhulula idola eyongezelelweyo engaya kwiakhawunti yakho yomhlalaphantsi. Ukutya okunempilo kunceda ekuphuculeni impilo yakho yonke kwaye oku kunokunciphisa kakhulu iindleko zakho zonyango emva kwexesha lakho lomhlalaphantsi.
Sebenzisa i-Bill Pay Automatic Pay
Ungalokothi ulahlekelwe intlawulo yebhilikhi ngokwenza yonke inkqubo yokuhlawula iindleko zakho zenyanga ngokuzenzekelayo. Ukuba uke ulahlekelwa iintlawulo kwixesha elidlulileyo oku kunokukhokelela ekugcinweni okwexesha elide ngokuphelisa imirhumo yokuhlawula. Ekubeni ukuhlawula abathengi ngexesha kubaluleke kakhulu ekuqaliseni amanqaku ekweretyana kwinkqubo yokwenza iintlawulo zeebhanki ngokuzenzekelayo kunokuncedisa ukuhlawula iindleko zokuboleka imali kwixesha elizayo kwimali-mboleko okanye kwimali-mboleko yemoto.
Gwema ukuchitha ixesha elizayo kunye neebhonasi
Kukho umgca ocacileyo phakathi kokuhlala ngexesha kunye nokucwangciswa kwekamva. Kukulungele ukuzivuza kodwa khumbula ukwenza njalo ngokumodareyitha kwaye ufake i-chunk ephezulu yokunyuka kwehlawula okanye enye imali ekhoyo yokugcina umhlalaphantsi. Kuthatha ingqeqesho encinane phambi, kodwa ukuba ungaze uziphakamise ungayifaka imali eyongezelelweyo kwi-401 yakho (k), i-IRA, okanye i-akhawunti yengxowa-mali rhoqo.
Ngakanani ixesha ozimisele ukuzinikela kwixesha lakho lokuzimela? Unokunika imali yokugcina umhlala-phantsi ukuqala kwesiqhoqo esininzi ngokuhamba okulula. Gxila ekufumaneni imali eyongezelelweyo kwibhajethi yakho, ukuphelisa iintlawulo zemali ezibizayo, kunye nokuzenzekelayo inkqubo yokonga. Emva kokuba uzenzele ngokuzenzekelayo ukugcinwa kwezinto ezizimeleyo kunye nemikhwa yokugwema amatyala uza kuzuza ixesha elihle.